Re: Citi Double Cash - Cell phone insurance?

I logged in tonight and got the pop up on both my Citi cards, DP and AAdvantage. So it appears that I will have to decide whetehr to keep the AA card open, I cannot justify $95 AF with all those lost benefits. Do they even have a plan to make it appealing to stay? Discover is one thing, because there's no AF. But the AA card with one is very different issue. Gutting the AA card this badly should warrant lowering the AF if not dropping it altogether. Guess I'll be getting rid of my travel cards if this continues across other Financial Institutions.

Re: Citi Double Cash - Cell phone insurance?

I'm surprised it's even legal for a credit card with an AF to reduce benfits for cardmembers who paid the AF, without compensation. People only pay the annual fee (upfront) because of the expectation that they'll be receiving those benefits for that whole year. To strip any of the benefits, they should really offer a refund of the AF (even if it's only a pro-rated refund) to everyone who asks for it.

No doubt, the cardmember agreement surely says something about the benefits being subject to change without notice, but I'm surprised nobody has really complained about this practice. On a no-AF card, it's no big deal. But when you're paying anywhere from $95 to $550 or more for the card's benefits, there should really be some reassurance that you'll actually be getting all of those benefits for that whole year.

Re: Citi Double Cash - Cell phone insurance?

My AF just hit in April, so I technically get more than 6 months coverage. unfortunately, I wasn't planning to put travel spend on it until October. lol

So I am deciding whether to charge this expense much earlier, like in August just to get the coverage. Problem is that I haven't fully decide on the destinations yet. gee, is it sneaking up on me...

I have thought about calling them up in Sept. and request to close the account due to this. As kind of a feeler to find out their stance, and what they might be willing to do retention wise. If Citi even does that. I might just downgrade to the no AF Mileup card for now, until the dust settles.

If things get better, i can just app for the AAdvantage again at later date.

Re: Citi Double Cash - Cell phone insurance?

I'm surprised it's even legal for a credit card with an AF to reduce benfits for cardmembers who paid the AF, without compensation. People only pay the annual fee (upfront) because of the expectation that they'll be receiving those benefits for that whole year. To strip any of the benefits, they should really offer a refund of the AF (even if it's only a pro-rated refund) to everyone who asks for it.

No doubt, the cardmember agreement surely says something about the benefits being subject to change without notice, but I'm surprised nobody has really complained about this practice. On a no-AF card, it's no big deal. But when you're paying anywhere from $95 to $550 or more for the card's benefits, there should really be some reassurance that you'll actually be getting all of those benefits for that whole year.

To me, since many of the Citi benefits were available across all their cards, it's not really fair to equate it to having paid the AF. The benefits that are being lost are not specific to their AF cards.

I think it's fine to be upset about things like the Prestige's various nerfs over the years for the benefits that were tied directly to that card, although I think it's an exercise in futility to be upset over it because as you said the agreement spells all this out. Benefits can and do change with products, regardless of fee or no AF. With people constantly signing up 365 days a year and benefits ending on pre-determined dates, obviously some people get shortchanged, but it's the nature of the beast. There is only so much reassurance in the credit world with benefits and perks; they come and go, it's just how it is.

Since you aren't really losing any benefit that was tied directly to one of their AF cards, I doubt a refund would happen.

Re: Citi Double Cash - Cell phone insurance?

I converted my DC to a Rewards+ and when I tried the +, it allowed me to file a claim. However, it never recognized the DC. Maybe Citi is offering Mastercard benefits on the Rewards+, maybe the DC now.

I converted my DC to a Rewards+ and when I tried the +, it allowed me to file a claim. However, it never recognized the DC. Maybe Citi is offering Mastercard benefits on the Rewards+, maybe the DC now.

All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.

PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Further information is available in our FICO Data Privacy Policy. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. More details on software and accessibility are available at WebAIM.org.